"I don't have to dig around in my purse," says Roundys Metro Market shopper Katy Weber of the Pay By Touch system for buying groceries. "I simply love it"

Early Detractors Coming Around

The Pay By Touch system uses 40 data points of hundreds on the finger to scan a print, says a company spokeswoman. She says privacy is protected under the system. Regardless of what privacy advocates are preaching, this technology actually fortifies privacy. I'll give you two examples. Instead of paying by check, which consists of a piece of paper advertising all the necessary ingredients necessary for ID theft, from your name and address right down to your bank, it's routing number and a consumers checking account number, there is absolutely no account information whatsoever that can be lifted.

So, Instead of 8-10 people who see the check on the way to the federal reserve, nobody does. In fact, that brings me to my second point. If someone is reluctantly on welfare, instead of being self-conscious about pulling out their WIC card, no one, from the cashier to the customer waiting behind, knows what method of payment they are using. This pragmatically would suggest that it increases privacy instead of the sound bytes from those who don't fully understand the military level security built into this platform.

All she needs to pay for her groceries is her index finger.

A sensor pad at the checkout counter scans her finger, automatically registers any discounts and then debits her bank account. For Weber, 28, using the Pay By Touch pad is a matter of convenience. "I don't have to dig around in my purse," she said.

The idea of shopping without bringing a purse or wallet might take some time to catch on, but companies using the finger-scan system say that, store by store, it is gaining acceptance.

Jewel-Osco is the biggest user in the Milwaukee area of the Pay By Touch system, which is the industry leader in the touch-system payment technology. It rolled out the system last spring, and the system is available in all 15 Jewel-Osco stores in Wisconsin.

In Jewel-Osco's four-state area, about 56,000 customers are signed up for it, said Juanita Kocanda, Jewel-Osco's manager of public affairs.

"It's very well received," Kocanda said. "We get positive feedback, especially from the people who write checks, because it comes right out of your checking account and you don't have to write a check."

Nationally, the Pay By Touch system is used at more than 2,000 retail locations, said Shannon Riordan, spokeswoman for the 4-year-old San Francisco firm. She said that, combined with a check-cashing system the company sells, it has signed up 2.9 million consumers.System is secure, company says

The finger system is more secure than using a credit or debit card or writing a check, because there are no numbers on a card or check that an identity thief could steal, Riordan said. Pay By Touch users are required to punch in a search code to start the transaction - usually easy-to-remember digits like a telephone number - but without the finger scan, no one else can gain access to the account.

"Overall, for merchants and shoppers alike, it greatly reduces the chances of fraud at the point of sale," Riordan said. Riordan stressed that the finger image used to authenticate a transaction is not an actual full fingerprint. "It uses 40 data points from your finger," she said. "That is the amount of data that gets encrypted right then and there."

Some Privacy advocates are concerned with the system, however, Riordan said there is nothing to worry about, even though she understands why it's a concern.

"If we don't respect people's privacy - if we aren't dedicated to that - we are going to fail as a business," she said. "So we are motivated. This is a very, very important promise that we make and keep with our Pay By Touch members."

At Roundy's Metro Market, which has used the system for two years in a pilot program, fear of having a fingerprint in a database doesn't seem to be an issue, said customer service manager Robin Moga. She said that might be because of the store's clientele, which includes many young adults.

"They love the new technology. They are all about it," Moga said.

Looking for new markets

Customers sign up for Pay By Touch at no charge at kiosks in stores where it's used. A scanner at the kiosk records the finger data needed. The sign-up process requires a driver's license, a voided check and, if desired, a preferred shopper card for discounts.

Although retail stores such as supermarkets are the "early adopters" of the finger-scan payment technology, other types of retailers are showing an interest, Riordan said. "People, as time progresses, will see it in more and more places, and it will become commonplace," she said.